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First State Bank Of Bedias

Bedias, TX · Est. 1907 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

First State Bank Of Bedias is a bank based in Bedias, Texas, established in 1907, with $222 million in total assets across 2 branches. By Trust Grade it ranks 38th of 349 banks we track in Texas. Its capital ratio of 17.6% is stronger than 95% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 2.52% return on assets. No consumer complaints against First State Bank Of Bedias appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$221.7M
$100M–1B institution
Deposits
$181.5M
Branches
2
Capital ratio
17.6%
Top 5% of $100M–1B peers · Texas median 10.9%
Return on assets
2.5%
Top 4% of $100M–1B peers · Texas median 1.38%
Rank in Texas
#38
of 349 banks

How First State Bank Of Bedias compares to Texas peers

Capital ratio
Top 5% of $100M–1B peers
First State
17.6%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Top 4% of $100M–1B peers
First State
2.5%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded First State Bank Of Bedias

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (17.6% capital ratio)
  • Strongly profitable (ROA 2.52%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First State Bank Of Bedias over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

  • 22201 Highway 90 N, Bedias, TX 77831
  • 12598 E State Highway 21, Bryan, TX 77808

Are deposits at First State Bank Of Bedias insured?

Yes. First State Bank Of Bedias is an FDIC-insured bank (FDIC certificate #16895). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First State Bank Of Bedias: frequently asked questions

Is First State Bank Of Bedias a good bank?

First State Bank Of Bedias earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.6% capital ratio); Strongly profitable (ROA 2.52%).

Is First State Bank Of Bedias FDIC-insured?

Yes. First State Bank Of Bedias is a FDIC-insured bank (FDIC certificate #16895). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First State Bank Of Bedias?

First State Bank Of Bedias holds $222 million in total assets, ranking 38th of 349 banks we track in Texas. It operates 2 branches.

Does First State Bank Of Bedias have CFPB complaints?

No CFPB complaints against First State Bank Of Bedias appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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